TOPEKA Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Topeka averaged 6.06% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.07% and one month ago for the week of 2022-05-26, the average rate was 5.46%.

Topeka's average rate one year ago was 3.34%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.66%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Topeka 30 Year Fixed Rate 2022-06-30 6.06%
Topeka 30 Year Fixed Rate Refi 2022-06-30 5.66%
Topeka 15 Year Fixed Rate 2022-06-30 6.24%
Topeka 15 Year Fixed Rate Refi 2022-06-30 4.75%
Topeka 30 Year FHA 2022-06-30 5.55%
Topeka 30 Year FHA Refi 2022-06-30 5.98%
Topeka 30 Year USDA 2022-06-30 5.68%
Topeka 30 Year USDA Refi 2022-06-30 5.69%
Topeka 30 Year VA 2022-06-30 5.93%
Topeka 30 Year VA Refi 2022-06-30 5.19%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within TOPEKA, KS.

TOPEKA Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the TOPEKA, KS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Landmark National Bank 386 3.07% $2,212
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 299 3.27% $2,271
Capitol Federal Savings Bank 214 2.95% $2,236
QUICKEN LOANS, LLC 212 3.10% $4,306
Envista Credit Union 201 3.11% $3,426
Azura Credit Union 109 3.27% $1,090
U.S. Bank 102 3.14% $2,244
CoreFirst Bank & Trust 81 3.03% $1,986
Central National Bank 64 2.95% $1,936
NBH Bank 40 3.33% $2,244
Flagstar Bank, FSB 40 3.34% $2,689
Mid-America Bank 39 3.18% $2,129
LOANDEPOT.COM, LLC 35 3.18% $3,761
Wells Fargo Bank 30 3.21% $2,739
SENTE MORTGAGE, INC. 28 3.21% $3,766
FLAT BRANCH MORTGAGE, INC. 24 3.35% $2,810
UNITED WHOLESALE MORTGAGE, LLC 24 3.18% $2,566
Mr. Cooper ( Nationstar Mortgage ) 24 3.33% $5,617
UNION HOME MORTGAGE CORP. 23 3.26% $3,176
MOVEMENT MORTGAGE, LLC 23 3.43% $2,883
Mortgage Investment Services Corporation 23 3.53% $3,395
BOKF 23 3.17% $2,844
AMERISAVE MORTGAGE CORPORATION 22 2.89% $4,455
Bank of the Flint Hills 22 3.09% $2,197
Truity Federal Credit Union 21 2.84% $1,780
PRIMELENDING, A PLAINSCAPITAL COMPANY 21 3.25% $3,250
FINANCE OF AMERICA MORTGAGE LLC 14 3.21% $3,570
PENNYMAC LOAN SERVICES, LLC 12 3.33% $4,590
FREEDOM MORTGAGE CORPORATION 12 3.11% $2,244
BETTER MORTGAGE CORPORATION 12 3.19% $2,311
ENDEAVOR CAPITAL, LLC. 11 3.11% $3,957
Arvest Bank 11 2.92% $3,264
Farm Credit Mid-America, ACA 9 3.56% $7,235
NAVY FEDERAL CREDIT UNION 9 3.96% $2,760
CALIBER HOME LOANS, INC. 8 3.34% $2,218
HOME POINT FINANCIAL CORPORATION 8 3.14% $3,211
NBKC BANK 8 3.16% $2,705
COMMUNITY MORTGAGE, LLC 8 2.94% $2,616
Bank of America 8 2.70% $1,718
Equity Bank 7 4.04% $2,455
COMMUNITYAMERICA 7 3.09% $2,800
NEWREZ LLC 7 3.03% $2,943
RCB Bank 7 3.05% $2,369
GUILD MORTGAGE COMPANY 6 3.25% $3,524
JPMorgan Chase Bank 6 3.13% $1,621
Citizens Bank 6 2.88% $3,422
MERITRUST Federal Credit Union 6 3.35% $2,124
First State Bank of St. Charles, Missouri 5 2.98% $2,873
AMERICAN FINANCING CORPORATION 5 3.32% $4,630
BROKER SOLUTIONS, INC. 5 3.57% $4,619
MUTUAL OF OMAHA MORTGAGE, INC. 5 3.33% $3,432
ZILLOW HOME LOANS, LLC 5 3.45% $3,789
ROYAL UNITED MORTGAGE LLC 5 3.13% $6,754
KS StateBank 5 3.03% $1,810
DELMAR FINANCIAL COMPANY 5 3.10% $1,136
CROSSCOUNTRY MORTGAGE, LLC 4 3.28% $3,536
JLB CORPORATION 4 3.19% $3,439
GUARANTEED RATE, INC. 4 3.03% $1,626
Mortgage Research Center, LLC 4 3.06% $2,235
Prosperity Home Mortgage, LLC 4 3.09% $3,080
Fidelity Bank 4 2.88% $2,516
COMMUNICATION 4 3.00% $0
Commerce Bank 4 3.53% $2,754
First Federal Bank of Kansas City 4 3.28% $2,391
Colonial Savings, F.A. 4 3.59% $3,307
AMERICAN PACIFIC MORTGAGE CORPORATION 4 3.47% $3,564
ACADEMY MORTGAGE CORPORATION 3 3.17% $4,126
Ally Bank 3 3.25% $3,874
American Mortgage & Equity Consultants, Inc. 3 3.00% $2,372
Carrington Mortgage Services, LLC 3 3.58% $2,868
CHURCHILL MORTGAGE CORPORATION 3 3.29% $2,840
Community First National Bank 3 2.54% $2,352
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 3.04% $2,473
HOMESIDE FINANCIAL, LLC 3 3.46% $2,815
Ixonia Bank 3 3.75% $5,131
Manufacturers and Traders Trust Company 3 3.67% $3,982
Midwest Heritage Bank FSB 3 3.17% $2,039
Nations Lending Corporation 3 3.17% $8,006
Plains Commerce Bank 3 2.83% $3,079
Sierra Pacific Mortgage Company, Inc. 3 3.00% $3,063
SIRVA MORTGAGE, INC. 3 2.88% $0
SOFI LENDING CORP. 3 2.67% $7,107
The Central Trust Bank 3 3.46% $2,671
Truist Bank 3 2.79% $2,200
Wyndham Capital Mortgage, Inc. 3 3.46% $2,225
RUOFF MORTGAGE COMPANY, INC. 2 3.00% $2,482
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.44% $3,025
USAA Federal Savings Bank 2 2.88% $3,497
First Midwest Bank 2 2.88% $1,949
FRONTIER COMMUNITY CREDIT UNION 2 2.88% $2,596
Armed Forces Bank 2 2.81% $2,909
FirstBank 2 3.19% $2,366
Stifel Bank and Trust 2 2.75% $1,932
PHH Mortgage Corporation 2 3.94% $5,310
United Fidelity Funding Corp. 2 2.94% $3,567
Sunflower Bank 2 3.50% $2,987
Bank of England 2 3.31% $6,131
PLANET HOME LENDING, LLC 2 3.63% $2,005
The Farmers State Bank of Westmoreland 2 2.94% $1,909
PLAZA HOME MORTGAGE, INC. 2 2.94% $2,680
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.49% $2,663
DAS Acquisition Company, LLC 2 3.31% $2,455
UMB Bank 2 3.11% $1,886
Bell Bank 2 3.19% $2,365
Intrust Bank 2 3.25% $2,259
First Bank 2 2.88% $2,078
KELLER MORTGAGE, LLC 2 3.13% $1,583
CMG MORTGAGE, INC. 2 3.00% $3,777
Regions Bank 2 3.06% $2,909
Gateway First Bank 2 3.19% $1,434
LEADERONE FINANCIAL CORPORATION 2 3.06% $2,400
LENDERFI, INC. 2 3.69% $1,355
ESB Financial 2 2.94% $1,659
First Mortgage Solutions, LLC 2 3.12% $2,034
Trinity Oaks Mortgage, LLC 1 3.49% $3,207
ARC HOME LLC 1 6.75% $4,664
KANSAS STATE UNIVERSITY Federal Credit Union 1 3.50% $1,113
HEARTLAND CREDIT UNION 1 3.25% $1,935
LAKEVIEW LOAN SERVICING, LLC 1 3.25% $2,540
Hawthorn Bank 1 3.00% $2,266
GENEVA FINANCIAL, LLC 1 3.63% $8,134
LOANSNAP, INC. 1 3.38% $403
LOANPAL, LLC 1 3.63% $6,844
Mazuma Credit Union 1 3.63% $2,609
MID AMERICAN 1 3.13% $1,551
Bank of the West 1 3.00% $2,851
MORIA DEVELOPMENT, INC. 1 3.25% $3,138
MORTGAGE ACCESS CORP. 1 2.99% $3,902
First Savings Bank 1 3.63% $3,182
First Internet Bank of Indiana 1 3.50% $3,440
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.25% $1,512
EVERETT FINANCIAL, INC. 1 3.00% $2,263
EMBRACE HOME LOANS, INC. 1 2.99% $6,139
North American Savings Bank, F.S.B. 1 5.63% $5,017
Paramount Bank 1 3.50% $0
Discover Bank 1 4.49% $0
Pinnacle Bank 1 2.88% $2,494
CRESCENT MORTGAGE COMPANY 1 2.88% $2,941
CORNERSTONE HOME LENDING, INC. 1 3.63% $2,875
RELIANCE FIRST CAPITAL, LLC 1 2.88% $8,088
RESIDENTIAL BANCORP. 1 2.99% $2,925
Chicago Mortgage Solutions LLC 1 2.62% $908
Simmons Bank 1 3.50% $2,831
Axos Bank 1 2.88% $2,124
STEARNS LENDING, LLC 1 2.88% $3,061
SUCCESS MORTGAGE PARTNERS, INC. 1 3.63% $3,326
SUMMIT FUNDING, INC. 1 3.38% $2,313
Texana Bank 1 3.13% $2,699
West Gate Bank 1 3.00% $2,009
The Federal Savings Bank 1 3.63% $5,630
The Home Loan Expert LLC 1 3.13% $4,560

TOPEKA, KS's 151 lenders originated 8,238 loans during 2021. The total origination value was $1,351,680,000, with an average loan value of $164,079.

The top TOPEKA lender as defined by loan originations is Landmark National Bank, with 386 loans originated. Their average total fees are $2,212, which is $59 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee TOPEKA lenders (with over 10 loans originated) are Azura Credit Union ($1,090), Truity Federal Credit Union ($1,780), Central National Bank ($1,936), CoreFirst Bank & Trust ($1,986) and Mid-America Bank ($2,129).

The lowest rate TOPEKA lenders (with over 10 loans originated) are Truity Federal Credit Union (2.84%), AMERISAVE MORTGAGE CORPORATION (2.89%), Arvest Bank (2.92%), Capitol Federal Savings Bank (2.95%) and Central National Bank (2.95%).

TOPEKA, KS Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Landmark National Bank $137,775,000 $122,930,000 -10.8% 9.1%
QUICKEN LOANS, LLC $83,025,000 $115,265,000 38.8% 8.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $81,120,000 $94,095,000 16.0% 7.0%
Capitol Federal Savings Bank $70,780,000 $82,730,000 16.9% 6.1%
Envista Credit Union $73,700,000 $64,280,000 -12.8% 4.8%
VisionBank $67,905,000 $48,040,000 -29.3% 3.6%
CoreFirst Bank & Trust $43,710,000 $46,765,000 7.0% 3.5%
Community Bank $61,285,000 $41,885,000 -31.7% 3.1%
U.S. Bank $35,335,000 $38,935,000 10.2% 2.9%
Azura Credit Union $52,315,000 $34,925,000 -33.2% 2.6%
The Denison State Bank $43,330,000 $34,165,000 -21.2% 2.5%
Mortgage Research Center, LLC $21,965,000 $27,985,000 27.4% 2.1%
FREEDOM MORTGAGE CORPORATION $26,420,000 $27,475,000 4.0% 2.0%
Central National Bank $30,650,000 $20,780,000 -32.2% 1.5%
LOANDEPOT.COM, LLC $6,215,000 $17,515,000 181.8% 1.3%
PENNYMAC LOAN SERVICES, LLC $5,840,000 $15,795,000 170.5% 1.2%
NBH Bank $13,635,000 $15,755,000 15.5% 1.2%
ORIX REAL ESTATE CAPITAL, LLC $15,205,000 n/a 1.1%
Mr. Cooper ( Nationstar Mortgage ) $9,305,000 $14,215,000 52.8% 1.1%
Flagstar Bank, FSB $8,120,000 $13,300,000 63.8% 1.0%
Mid-America Bank $14,270,000 $13,220,000 -7.4% 1.0%
LAKEVIEW LOAN SERVICING, LLC $8,935,000 $12,785,000 43.1% 0.9%
CBRE MULTIFAMILY CAPITAL, INC. $12,155,000 n/a 0.9%
Bank of the Flint Hills $9,605,000 $11,475,000 19.5% 0.8%
KeyBank $2,955,000 $11,245,000 280.5% 0.8%
Wells Fargo Bank $8,350,000 $11,175,000 33.8% 0.8%
Silver Lake Bank $12,965,000 $11,090,000 -14.5% 0.8%
SENTE MORTGAGE, INC. $10,935,000 $10,840,000 -0.9% 0.8%
BERKELEY POINT CAPITAL LLC $10,675,000 n/a 0.8%
BOKF $14,660,000 $10,515,000 -28.3% 0.8%
United Bank & Trust $235,000 $10,110,000 4,202.1% 0.7%
Kaw Valley Bank $14,065,000 $9,745,000 -30.7% 0.7%
FLAT BRANCH MORTGAGE, INC. $5,225,000 $9,560,000 83.0% 0.7%
AMERISAVE MORTGAGE CORPORATION $5,065,000 $9,540,000 88.4% 0.7%
UNITED WHOLESALE MORTGAGE, LLC $5,660,000 $9,310,000 64.5% 0.7%
CALIBER HOME LOANS, INC. $4,420,000 $8,645,000 95.6% 0.6%
Mortgage Investment Services Corporation $6,550,000 $8,585,000 31.1% 0.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $12,220,000 $8,310,000 -32.0% 0.6%
Farm Credit Mid-America, ACA $6,200,000 $7,880,000 27.1% 0.6%
USAA Federal Savings Bank $11,910,000 $7,640,000 -35.9% 0.6%
UNION HOME MORTGAGE CORP. $6,565,000 $7,195,000 9.6% 0.5%
MOVEMENT MORTGAGE, LLC $4,375,000 $7,170,000 63.9% 0.5%
THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS $9,140,000 $7,110,000 -22.2% 0.5%
NAVY FEDERAL CREDIT UNION $3,020,000 $6,775,000 124.3% 0.5%
The Union State Bank of Everest $5,925,000 $6,735,000 13.7% 0.5%
Truity Federal Credit Union $5,720,000 $6,680,000 16.8% 0.5%
NEWREZ LLC $1,530,000 $6,215,000 306.2% 0.5%
HOME POINT FINANCIAL CORPORATION $5,000,000 $5,990,000 19.8% 0.4%
M&T Realty Capital Corporation $5,845,000 n/a 0.4%
First State Bank and Trust $6,425,000 $5,805,000 -9.6% 0.4%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $4,975,000 n/a 0.4%
Mutual Savings Association $4,355,000 $4,305,000 -1.1% 0.3%
NEW DAY FINANCIAL, LLC $4,480,000 $4,190,000 -6.5% 0.3%
COMMUNITY MORTGAGE, LLC $2,955,000 $4,070,000 37.7% 0.3%
GNBank $3,980,000 n/a 0.3%
Arvest Bank $1,645,000 $3,880,000 135.9% 0.3%
BETTER MORTGAGE CORPORATION $1,990,000 $3,835,000 92.7% 0.3%
Capital One $3,825,000 n/a 0.3%
NBKC BANK $2,075,000 $3,745,000 80.5% 0.3%
ENDEAVOR CAPITAL, LLC. $2,970,000 $3,720,000 25.3% 0.3%
KS StateBank $4,960,000 $3,690,000 -25.6% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $1,235,000 $3,560,000 188.3% 0.3%
The Federal Savings Bank $2,960,000 $3,460,000 16.9% 0.3%
JPMorgan Chase Bank $1,610,000 $3,360,000 108.7% 0.2%
COMMUNITYAMERICA $4,785,000 $3,295,000 -31.1% 0.2%
Bank of America $4,005,000 $3,050,000 -23.8% 0.2%
Equity Bank $2,840,000 $2,935,000 3.3% 0.2%
Community First National Bank $2,765,000 $2,570,000 -7.1% 0.2%
LEADERONE FINANCIAL CORPORATION $5,260,000 $2,325,000 -55.8% 0.2%
Carrington Mortgage Services, LLC $3,525,000 $2,210,000 -37.3% 0.2%
MERITRUST Federal Credit Union $3,090,000 $2,190,000 -29.1% 0.2%
GUILD MORTGAGE COMPANY $1,915,000 $2,110,000 10.2% 0.2%
BROKER SOLUTIONS, INC. $3,335,000 $1,930,000 -42.1% 0.1%
Intrust Bank $300,000 $1,885,000 528.3% 0.1%
PLANET HOME LENDING, LLC $670,000 $1,875,000 179.9% 0.1%
Community National Bank $505,000 $1,850,000 266.3% 0.1%
ESB Financial $1,050,000 $1,850,000 76.2% 0.1%
Mid-Continent Funding, Inc. $365,000 $1,840,000 404.1% 0.1%
AMERICAN FINANCING CORPORATION $1,585,000 $1,815,000 14.5% 0.1%
Regent Bank $1,805,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $890,000 $1,780,000 100.0% 0.1%
Members Mortgage Services, L.L.C. $790,000 $1,740,000 120.3% 0.1%
First State Bank of St. Charles, Missouri $2,405,000 $1,725,000 -28.3% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $3,180,000 $1,705,000 -46.4% 0.1%
RCB Bank $3,650,000 $1,620,000 -55.6% 0.1%
Wyndham Capital Mortgage, Inc. $530,000 $1,605,000 202.8% 0.1%
The Central Trust Bank $1,580,000 n/a 0.1%
North American Savings Bank, F.S.B. $750,000 $1,565,000 108.7% 0.1%
Manufacturers and Traders Trust Company $105,000 $1,535,000 1,361.9% 0.1%
WALKER & DUNLOP, LLC $1,535,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $360,000 $1,465,000 306.9% 0.1%
Commerce Bank $2,265,000 $1,445,000 -36.2% 0.1%
Citizens Bank $1,240,000 $1,440,000 16.1% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,065,000 $1,435,000 34.7% 0.1%
ZILLOW HOME LOANS, LLC $445,000 $1,420,000 219.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $945,000 $1,410,000 49.2% 0.1%
UMB Bank $2,820,000 $1,405,000 -50.2% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,095,000 $1,390,000 26.9% 0.1%
PLAZA HOME MORTGAGE, INC. $1,625,000 $1,345,000 -17.2% 0.1%
CHURCHILL MORTGAGE CORPORATION $950,000 $1,330,000 40.0% 0.1%
SOFI LENDING CORP. $225,000 $1,300,000 477.8% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $330,000 $1,290,000 290.9% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,045,000 $1,265,000 21.1% 0.1%
Farmers Bank & Trust $1,190,000 n/a 0.1%
First Mortgage Solutions, LLC $2,245,000 $1,185,000 -47.2% 0.1%
Fidelity Bank $2,035,000 $1,170,000 -42.5% 0.1%
BNC National Bank $3,020,000 $1,160,000 -61.6% 0.1%
Low VA Rates, LLC $1,660,000 $1,160,000 -30.1% 0.1%
JLB CORPORATION $1,810,000 $1,155,000 -36.2% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,280,000 $1,145,000 -10.5% 0.1%
The Farmers State Bank of Westmoreland $1,850,000 $1,130,000 -38.9% 0.1%
Farmers and Drovers Bank $785,000 $1,120,000 42.7% 0.1%
Nations Lending Corporation $375,000 $1,115,000 197.3% 0.1%
Barrington Bank & Trust Company, N.A. $1,950,000 $1,090,000 -44.1% 0.1%
American Mortgage & Equity Consultants, Inc. $1,075,000 n/a 0.1%
Truist Bank $1,710,000 $1,055,000 -38.3% 0.1%
Colonial Savings, F.A. $455,000 $1,050,000 130.8% 0.1%
Plains Commerce Bank $1,335,000 $1,025,000 -23.2% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $485,000 $1,015,000 109.3% 0.1%
First Guaranty Mortgage Corporation $1,980,000 $1,000,000 -49.5% 0.1%
HOMESIDE FINANCIAL, LLC $660,000 $985,000 49.2% 0.1%
ROYAL UNITED MORTGAGE LLC $1,455,000 $980,000 -32.6% 0.1%
GUARANTEED RATE, INC. $810,000 $935,000 15.4% 0.1%
Ixonia Bank $540,000 $925,000 71.3% 0.1%
DELMAR FINANCIAL COMPANY $1,250,000 $920,000 -26.4% 0.1%
United Fidelity Funding Corp. $2,110,000 $890,000 -57.8% 0.1%
BAY EQUITY LLC $550,000 $875,000 59.1% 0.1%
Prosperity Home Mortgage, LLC $1,280,000 $870,000 -32.0% 0.1%
ACADEMY MORTGAGE CORPORATION $105,000 $850,000 709.5% 0.1%
COMMUNICATION $675,000 $850,000 25.9% 0.1%
Bank of England $1,560,000 $785,000 -49.7% 0.1%
FirstBank $780,000 n/a 0.1%
FRONTIER COMMUNITY CREDIT UNION $555,000 $755,000 36.0% 0.1%
SIRVA MORTGAGE, INC. $1,000,000 $735,000 -26.5% 0.1%
Gateway First Bank $610,000 $720,000 18.0% 0.1%
Ally Bank $720,000 $710,000 -1.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $155,000 $700,000 351.6% 0.1%
Labette Bank $300,000 $670,000 123.3% 0.0%
Regions Bank $650,000 n/a 0.0%
Midwest Heritage Bank FSB $590,000 n/a 0.0%
First Home Bank $500,000 $585,000 17.0% 0.0%
First National Bank of Omaha $675,000 $585,000 -13.3% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $290,000 $585,000 101.7% 0.0%
Chicago Mortgage Solutions LLC $565,000 n/a 0.0%
First Bank $1,020,000 $565,000 -44.6% 0.0%
The Citizens State Bank $135,000 $555,000 311.1% 0.0%
PHH Mortgage Corporation $210,000 $550,000 161.9% 0.0%
PNC Bank $3,565,000 $525,000 -85.3% 0.0%
PEOPLES STATE BANK $970,000 $520,000 -46.4% 0.0%
Armed Forces Bank $805,000 $515,000 -36.0% 0.0%
Bell Bank $75,000 $490,000 553.3% 0.0%
First Federal Bank of Kansas City $330,000 $490,000 48.5% 0.0%
LOANPAL, LLC $485,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $220,000 $485,000 120.5% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $605,000 $480,000 -20.7% 0.0%
The Bennington State Bank $1,620,000 $480,000 -70.4% 0.0%
DAS Acquisition Company, LLC $470,000 $475,000 1.1% 0.0%
KELLER MORTGAGE, LLC $670,000 $475,000 -29.1% 0.0%
Sierra Pacific Mortgage Company, Inc. $470,000 n/a 0.0%
West Gate Bank $470,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $780,000 $455,000 -41.7% 0.0%
Hawthorn Bank $450,000 n/a 0.0%
Citizens Savings and Loan Association, FSB $270,000 $445,000 64.8% 0.0%
CMG MORTGAGE, INC. $555,000 $440,000 -20.7% 0.0%
Exchange Bank & Trust $325,000 $440,000 35.4% 0.0%
First Federal Bank $235,000 $440,000 87.2% 0.0%
Stifel Bank and Trust $125,000 $430,000 244.0% 0.0%
LOANSNAP, INC. $425,000 n/a 0.0%
Community National Bank & Trust $400,000 $405,000 1.3% 0.0%
KANSAS STATE UNIVERSITY Federal Credit Union $135,000 $385,000 185.2% 0.0%
First Midwest Bank $415,000 $380,000 -8.4% 0.0%
GENEVA FINANCIAL, LLC $255,000 $370,000 45.1% 0.0%
Springfield First Community Bank $370,000 n/a 0.0%
Sunflower Bank $2,515,000 $370,000 -85.3% 0.0%
LENDERFI, INC. $360,000 n/a 0.0%
Financial Funding Solutions, Inc. $370,000 $340,000 -8.1% 0.0%
Pinnacle Bank $125,000 $340,000 172.0% 0.0%
Bank of the West $265,000 $335,000 26.4% 0.0%
Chickasaw Community Bank $545,000 $330,000 -39.4% 0.0%
PREMIA MORTGAGE, LLC $325,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $310,000 n/a 0.0%
Southern Bank $305,000 n/a 0.0%
EVERETT FINANCIAL, INC. $805,000 $300,000 -62.7% 0.0%
Country Club Bank $295,000 n/a 0.0%
The Union Bank Company $295,000 n/a 0.0%
Trinity Oaks Mortgage, LLC $285,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $280,000 n/a 0.0%
ARC HOME LLC $300,000 $275,000 -8.3% 0.0%
STEARNS LENDING, LLC $270,000 n/a 0.0%
AMERICAN ADVISORS GROUP $685,000 $265,000 -61.3% 0.0%
EMBRACE HOME LOANS, INC. $855,000 $265,000 -69.0% 0.0%
AMCAP MORTGAGE, LTD. $125,000 $260,000 108.0% 0.0%
SPRING EQ, LLC $260,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $255,000 n/a 0.0%
MID AMERICAN $165,000 $255,000 54.5% 0.0%
Equity Prime Mortgage LLC $75,000 $250,000 233.3% 0.0%
Magnolia Bank $400,000 $245,000 -38.8% 0.0%
RESIDENTIAL BANCORP. $240,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $380,000 $235,000 -38.2% 0.0%
American National Bank of Minnesota $235,000 n/a 0.0%
Axos Bank $235,000 n/a 0.0%
Prime Choice Funding Inc. $235,000 n/a 0.0%
Texana Bank $235,000 n/a 0.0%
TJC Mortgage, Inc. $235,000 n/a 0.0%
First Option Bank $75,000 $230,000 206.7% 0.0%
SUMMIT FUNDING, INC. $235,000 $225,000 -4.3% 0.0%
Figure Lending LLC $25,000 $215,000 760.0% 0.0%
First Savings Bank $650,000 $210,000 -67.7% 0.0%
RELIANCE FIRST CAPITAL, LLC $595,000 $205,000 -65.5% 0.0%
Austin Capital Bank SSB $195,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $365,000 $195,000 -46.6% 0.0%
QUORUM FEDERAL CREDIT UNION $185,000 n/a 0.0%
InterContinental Capital Group, Inc $185,000 $175,000 -5.4% 0.0%
MAINSTREET FEDERAL CREDIT UNION $160,000 $175,000 9.4% 0.0%
MORTGAGE ACCESS CORP. $175,000 n/a 0.0%
Mazuma Credit Union $330,000 $170,000 -48.5% 0.0%
RUOFF MORTGAGE COMPANY, INC. $300,000 $170,000 -43.3% 0.0%
CRESCENT MORTGAGE COMPANY $165,000 n/a 0.0%
Simmons Bank $515,000 $165,000 -68.0% 0.0%
The Home Loan Expert LLC $165,000 n/a 0.0%
Colten Mortgage, LLC $155,000 n/a 0.0%
HEARTLAND CREDIT UNION $150,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $145,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $165,000 $145,000 -12.1% 0.0%
ANB Bank $135,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $125,000 n/a 0.0%
Paramount Bank $125,000 n/a 0.0%
21ST MORTGAGE CORPORATION $85,000 $115,000 35.3% 0.0%
FirstBank Southwest $115,000 n/a 0.0%
DIGITAL Federal Credit Union $245,000 $105,000 -57.1% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $105,000 n/a 0.0%
Wichita Federal Credit Union $105,000 n/a 0.0%
WNB Financial, N.A. $105,000 n/a 0.0%
Discover Bank $430,000 $95,000 -77.9% 0.0%
CREDIT UNION OF AMERICA $270,000 $85,000 -68.5% 0.0%
MORIA DEVELOPMENT, INC. $85,000 n/a 0.0%
OPEN MORTGAGE, LLC $445,000 $85,000 -80.9% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $515,000 $85,000 -83.5% 0.0%
TIAA, FSB $125,000 $80,000 -36.0% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $75,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $65,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $65,000 n/a 0.0%
First Internet Bank of Indiana $65,000 n/a 0.0%
Frontier Farm Credit, FLCA $245,000 $55,000 -77.6% 0.0%
Transportation Federal Credit Union $55,000 n/a 0.0%
Emprise Bank $160,000 $50,000 -68.8% 0.0%
Security Bank of Kansas City $45,000 n/a 0.0%

TOPEKA's top lender by overall market share is Landmark National Bank, with 9.1% market share. In second place, with 8.5%, is QUICKEN LOANS, LLC, having originated $115,265,000 in loans. In third place, with 7.0%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $94,095,000 in loans. In third place, with 6.1%, is Capitol Federal Savings Bank, having originated $82,730,000 in loans. In third place, with 4.8%, is Envista Credit Union, having originated $64,280,000 in loans.


TOPEKA, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,405 $613,125,000 $180,066
Refi 2,584 $449,770,000 $174,060
Cash Out Refi 1,528 $245,520,000 $160,681
Home Improvement 467 $25,305,000 $54,186
Other 254 $17,960,000 $70,709

Topeka's most frequently cited loan purpose was Home Purchase, with 3,405 originations. The 2nd most popular reason was Refi, with 2,584 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,722 $458,130,000 $168,306
3-4% 2,392 $388,440,000 $162,391
<2.5% 1,285 $235,175,000 $183,016
4-5% 475 $45,765,000 $96,347
5-6% 162 $8,060,000 $49,753
7-8% 42 $970,000 $23,095
6-7% 18 $1,170,000 $65,000
Over 8% 9 $525,000 $58,333

During 2021, Topeka's most frequently originated rate bucket was 2.5-3%, with 2,722 originations.

Loan Sizing (TOPEKA, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,659 $533,565,000 $145,823
$100,000 or less 2,482 $152,690,000 $61,519
$200k-400k 1,928 $504,720,000 $261,784
$400k-600k 136 $63,140,000 $464,265
$600k-1000k 18 $13,680,000 $760,000
$Over $1MM 15 $83,885,000 $5,592,333

TOPEKA's loan sizing saw the bucket of loans from $100k-200k with 3,659 originations, totaling $533,565,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,932 $516,460,000 $176,146
60-80% 2,263 $405,985,000 $179,401
40-60% 788 $106,340,000 $134,949
20-40% 406 $29,050,000 $71,552
Under 20% 322 $8,700,000 $27,019
Over 100% 104 $40,550,000 $389,904

TOPEKA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,932 originations, totaling $516,460,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - TOPEKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $109,000 (1.3%) $159,603 (5.2%) 0.40 661
2018-02-01 $114,950 (4.6%) $161,007 (2.6%) 0.41 667
2018-03-01 $115,000 (-2.1%) $162,276 (-1.3%) 0.40 658
2018-04-01 $119,700 (-2.6%) $171,303 (-1.3%) 0.40 662
2018-05-01 $127,200 (3.9%) $182,750 (5.5%) 0.42 682
2018-06-01 $133,000 (2.4%) $189,646 (6.4%) 0.44 730
2018-07-01 $134,500 (7.6%) $186,439 (7.9%) 0.45 761
2018-08-01 $129,900 (5.6%) $184,623 (6.5%) 0.43 751
2018-09-01 $125,000 (6.4%) $173,023 (2.5%) 0.42 769
2018-10-01 $125,375 (4.6%) $172,172 (1.1%) 0.42 741
2018-11-01 $121,200 (9.7%) $168,818 (3.6%) 0.41 718
2018-12-01 $120,000 (9.2%) $169,586 (6.5%) 0.41 649
2019-01-01 $119,500 (9.6%) $173,468 (8.7%) 0.41 625
2019-02-01 $123,500 (7.4%) $180,531 (12.1%) 0.41 592
2019-03-01 $130,429 (13.4%) $185,462 (14.3%) 0.43 568
2019-04-01 $140,000 (17.0%) $191,515 (11.8%) 0.44 547
2019-05-01 $158,250 (24.4%) $201,897 (10.5%) 0.49 551
2019-06-01 $149,999 (12.8%) $187,915 (-0.9%) 0.46 577
2019-07-01 $150,000 (11.5%) $190,139 (2.0%) 0.47 571
2019-08-01 $145,614 (12.1%) $186,847 (1.2%) 0.46 561
2019-09-01 $141,664 (13.3%) $184,648 (6.7%) 0.45 552
2019-10-01 $148,700 (18.6%) $193,138 (12.2%) 0.47 583
2019-11-01 $135,000 (11.4%) $193,564 (14.7%) 0.44 587
2019-12-01 $131,900 (9.9%) $180,536 (6.5%) 0.44 544
2020-01-01 $129,450 (8.3%) $172,970 (-0.3%) 0.43 472
2020-02-01 $139,900 (13.3%) $184,862 (2.4%) 0.45 429
2020-03-01 $149,950 (15.0%) $193,091 (4.1%) 0.47 414
2020-04-01 $163,000 (16.4%) $200,675 (4.8%) 0.51 402
2020-05-01 $169,777 (7.3%) $207,802 (2.9%) 0.51 334
2020-06-01 $152,450 (1.6%) $201,669 (7.3%) 0.45 312
2020-07-01 $135,200 (-9.9%) $199,437 (4.9%) 0.39 308
2020-08-01 $149,900 (2.9%) $206,780 (10.7%) 0.43 296
2020-09-01 $144,950 (2.3%) $203,276 (10.1%) 0.41 284
2020-10-01 $142,800 (-4.0%) $203,667 (5.5%) 0.41 263
2020-11-01 $144,950 (7.4%) $199,449 (3.0%) 0.42 264
2020-12-01 $144,950 (9.9%) $191,332 (6.0%) 0.43 244
2021-01-01 $149,000 (15.1%) $197,107 (14.0%) 0.44 200
2021-02-01 $148,000 (5.8%) $212,441 (14.9%) 0.43 159
2021-03-01 $160,750 (7.2%) $212,101 (9.9%) 0.45 163
2021-04-01 $159,535 (-2.1%) $228,651 (13.9%) 0.43 172
2021-05-01 $159,900 (-5.8%) $233,878 (12.6%) 0.42 178
2021-06-01 $159,950 (4.9%) $233,701 (15.9%) 0.42 226
2021-07-01 $179,750 (33.0%) $244,692 (22.7%) 0.47 271
2021-08-01 $174,950 (16.7%) $234,678 (13.5%) 0.46 262
2021-09-01 $179,900 (24.1%) $247,858 (21.9%) 0.47 280
2021-10-01 $175,000 (22.6%) $227,875 (11.9%) 0.46 279
2021-11-01 $176,450 (21.7%) $223,052 (11.8%) 0.47 245
2021-12-01 $172,200 (18.8%) $230,150 (20.3%) 0.46 207
2022-01-01 $159,900 (7.3%) $240,683 (22.1%) 0.43 143
2022-02-01 $184,950 (25.0%) $260,935 (22.8%) 0.47 126
2022-03-01 $195,000 (21.3%) $269,949 (27.3%) 0.48 135
2022-04-01 $180,000 (12.8%) $266,012 (16.3%) 0.42 171
2022-05-01 $199,500 (24.8%) $276,472 (18.2%) 0.45 181
2022-06-01 $225,000 (40.7%) $276,328 (18.2%) 0.50 226
TOPEKA's median listing price for 2022-06-01 was $225,000, a difference of $65,050 (40.7%) versus the prior year and $25,500 versus the prior month.

TOPEKA's median listing price comes in at 50% of the national average.

TOPEKA's average listing price for 2022-06-01 was $276,328, a difference of $42,627 (18.2%) versus the prior year and $-144 versus the prior month.

For the 2022-06-01 period, TOPEKA had 226 MLS listings, a difference of 45 listings (25%) versus the prior month and 0 listings (0%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - TOPEKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 68 days 1,601 sqft
2018-02-01 61 days 1,648 sqft
2018-03-01 46 days 1,694 sqft
2018-04-01 42 days 1,725 sqft
2018-05-01 43 days 1,726 sqft
2018-06-01 38 days 1,746 sqft
2018-07-01 39 days 1,764 sqft
2018-08-01 44 days 1,687 sqft
2018-09-01 44 days 1,602 sqft
2018-10-01 48 days 1,611 sqft
2018-11-01 59 days 1,597 sqft
2018-12-01 64 days 1,584 sqft
2019-01-01 68 days 1,590 sqft
2019-02-01 68 days 1,600 sqft
2019-03-01 56 days 1,661 sqft
2019-04-01 37 days 1,696 sqft
2019-05-01 38 days 1,800 sqft
2019-06-01 40 days 1,800 sqft
2019-07-01 41 days 1,786 sqft
2019-08-01 45 days 1,746 sqft
2019-09-01 39 days 1,737 sqft
2019-10-01 41 days 1,749 sqft
2019-11-01 46 days 1,726 sqft
2019-12-01 55 days 1,683 sqft
2020-01-01 62 days 1,651 sqft
2020-02-01 64 days 1,673 sqft
2020-03-01 37 days 1,682 sqft
2020-04-01 40 days 1,791 sqft
2020-05-01 44 days 1,818 sqft
2020-06-01 26 days 1,731 sqft
2020-07-01 26 days 1,633 sqft
2020-08-01 31 days 1,660 sqft
2020-09-01 29 days 1,622 sqft
2020-10-01 31 days 1,659 sqft
2020-11-01 30 days 1,626 sqft
2020-12-01 35 days 1,569 sqft
2021-01-01 38 days 1,632 sqft
2021-02-01 35 days 1,624 sqft
2021-03-01 25 days 1,651 sqft
2021-04-01 15 days 1,546 sqft
2021-05-01 18 days 1,650 sqft
2021-06-01 15 days 1,692 sqft
2021-07-01 19 days 1,766 sqft
2021-08-01 27 days 1,769 sqft
2021-09-01 25 days 1,810 sqft
2021-10-01 31 days 1,724 sqft
2021-11-01 36 days 1,714 sqft
2021-12-01 43 days 1,672 sqft
2022-01-01 41 days 1,656 sqft
2022-02-01 28 days 1,686 sqft
2022-03-01 17 days 1,778 sqft
2022-04-01 28 days 1,680 sqft
2022-05-01 31 days 1,720 sqft
2022-06-01 23 days 1,772 sqft
TOPEKA's median listing age (time on market) for 2022-06-01 was 23 days. This is 59% longer than the same period one year ago.

TOPEKA's median square footage for active listings during the 2022-06-01 period was 1,772 sqft. One year prior, the average listing was 1,692 sqft.